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Your riders aren't just customers. They're your friends & neighbors - and they're all a part of your community. When accidents happen, our program can help them catch their financial Balance.

 
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Your community can ride smart with Balance.
 
 

Every day, more riders are discovering your city on two wheels. But they're competing with cars, and often in unfamiliar territory. As cities and bikeshare systems grow, are you ready for accidents that occur?

That’s where Balance for Bikeshare comes in. We provide serious injury coverage for every rider, on every ride. The cost is embedded into each trip for just pennies per ride. If an accident occurs, you'll be making a difference in your rider's life with Balance.

 
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Rider Benefits

We're different than other insurance programs. Balance protects your customers' wallets in the event of a crash. See plan details below.

Short Term Injury Coverage
for injuries requiring medical treatment
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Hospitalization

If any of your riders suffer a covered accident, Balance provides $300 a day for up to 60 days in hospital.

Please note: This benefit does not include confinement in a Long Term Acute Care Hospital. What’s a “Long Term Acute Care Hospital?”

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Emergency Care

There's no time to worry about costs during an emergency. Balance offers an extra $300 per visit payable for treatment in an Emergency Room and $150 per visit for treatment in an Urgent Care Center.

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Physical Therapy

Need a physical therapist? So long as treatment is received within 72 hours of a covered accident, Balance pays $75 a visit for up to 10 visits with a physical therapist. Treatment must begin within 60 days of the accident.

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Ambulance

If an ambulance is needed, Balance pays up to $500 to help offset the cost of a ground ambulance and/or up to $5,000 for transportation by air if required.

Please note: this an “Excess Benefit,” and is payable only to the extent that another health insurer or source doesn’t provide coverage. What does “Excess Benefit” mean? 

Long Term Injury Coverage
for life-altering injuries, up to $150,000
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TRAUMATIC BRAIN INJURY (TBI)

Balance is the first insurance plan to offer a benefit specifically for traumatic brain injury (TBI) from a bicycle accident, with benefits for severe and moderate traumatic brain injuries. What’s considered a TBI?

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PAralysis

If a covered accident results in paralysis in one or more limbs, Balance has coverage benefits for quadriplegia, hemiplegia, paraplegia, and uniplegia.

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If a loss of or more body members occurs (i.e. arm,leg, hand, foot or eye) as a result of a covered accident, your rider is covered with a benefit up to $50,000.

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Accidental Death

In the case of death due to injuries sustained in a covered accident, the rider's family or designated beneficiary will receive $50,000. How do I designate a beneficiary?

 
 Our normal benefit reduction for riders without helmets is waived for bikeshare programs.

Our normal benefit reduction for riders without helmets is waived for bikeshare programs.

 

 
Request Info

Your riders, covered.

Interested in our Balance for Bikeshare program? Please fill out our contact form here and provide us with more information on your community's Bikeshare program. After we've received your info request, we'll get in touch with you as soon as possible.

 
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